Dental Insurance

Dental care that goes beyond the smile.

Do You Really Need Dental Insurance?

You'll be fine with some brushing and flossing, right? Probably not.

At Adroit Health Group, we know that routine, preventative dental care provides a number of health benefits beyond a bright smile. For example, many of us have places we don't brush or floss well. Dentists can deep clean those spaces to prevent plaque buildup. We may have cavities or need to replace an old filling. Or, there may be signs in our mouth of larger issues, like bruxism or sleep apnea, that are leading to pain or issues sleeping.

When a dentist examines your mouth, they're getting a picture into your overall oral health and beyond.

Risks of poor oral health

Without routine dental care, you're at a greater risk for the pain and risks associated with gum disease and periodontal disease.

Worse, poor oral health is actually connected to larger chronic health risks, including:

  • Heart disease: Those with moderate or severe gum disease are at greater risk for heart disease
  • Diabetes: Serious gum disease may affect blood glucose control and contribute to the progression of diabetes
  • Cancers: New research suggests that for those with severe periodontitis, their risk for developing any type of cancer increased 24% (while risks for stomach or mouth cancers may be higher)

Getting the preventative care you need is important for your family's overall health. It's also important financially. Often, preventative care is much more affordable than costly surgery or treatments when a condition becomes severe.

What Is Supplemental Dental Insurance?

Dental insurance is important, but often it's missing from healthcare offerings. For many people, their companies don't provide dental insurance. Others who are retired, in college, or self-employed don't have access to individual dental insurance plans.

At Adroit Health Group, we're committed to bridging this gap in care.

We provide affordable dental insurance options for today's families and working adults. Our plans are considered supplemental dental insurance. This means that they provide care in addition to what you'd traditionally receive from your employer. You can purchase them to help with costs not covered by an employer-sponsored plan or use them if you don't have access to traditional dental care. They typically only cover you for a short-term 90-day period, though some may have a longer coverage period.

These supplemental plans are valuable because they're flexible. You choose the best coverage for you and your situation. Many plans don't have waiting periods. Others allow you to visit a broader range of dentists, without worrying about the hassle of in-network or out-of-network providers.

If you want to learn more about how our supplemental dental insurance works, give the Adroit Health Group team a call at 1 (800) 269-3563 or send us an email. We're always here to help you make sense of your dental insurance options.

What Does Dental Insurance Cover?

We provide some of the best dental insurance plans for individual and families in over 40 states. Adroit Health Group dental insurance plans are underwritten by several leading insurance carriers, including Nationwide, Renaissance, and United Concordia.

These affordable dental insurance plans can help you save on services related to:

  • Basic care
  • Preventative care
  • Major treatments
  • Dental restorations

Depending on the plan you choose, they may help cover costs for adult or children services related to:

  • Routine cleanings
  • Exams
  • X-rays
  • Root canals
  • Dentures and other prosthetics
  • Bridge repairs
  • Crown repairs and build-up
  • Extractions
  • Fillings
  • Oral surgery and associated anesthesia
  • Periodontics, or gum treatments

Do note that some plans only cover care after a certain amount of time has passed commonly called a waiting period. They may also not cover care that is already underway when you purchase your plan. For this reason, if you're considering extensive dental work, it may be important to buy your plan far in advance.

Also, many supplemental dental insurance plans don't cover cosmetic procedures, like veneers or teeth whitening.

Full Coverage vs. Supplemental Insurance

With a full dental insurance plan, you're typically covered for your dental care costs after meeting a deductible. You pay a set premium every month, and the insurance company covers all or a portion of eligible dental costs. It's the traditional type of insurance that you're probably familiar with.

A supplemental plan is a bit different.

Instead of dealing with the dental provider, a supplemental plan provider works with you. Supplemental insurance benefits are usually paid directly to the policyholder. The plan reimburses you with pre-determined cash benefits after you pay for your dental services.

How much your benefits are and what they cover depends on the plan you choose. Likewise, some supplemental insurance plans are more flexible when it comes to:

  • Eligibility periods, allowing for year-round applications
  • In- and out-of-network providers, which can be helpful if you travel out-of-network often
  • How quickly your benefits start, with some plans beginning the next day
  • How long your coverage lasts, with short-term options available

Remember that some plans only cover certain procedures after a specified amount of time passes. At Adroit Health Group, it's important to us that you understand all of your options and plan limitations. Give our team a call at 1 (800) 269-3563 or send us an email to learn more about what coverage options you have.

Is oral surgery covered by medical or dental insurance?

This area can be tricky since oral surgeries often involve both dental and medical care. The answer depends on your plan.

Generally, though, surgical procedures that deal directly with the teeth are not covered by a traditional medical plan. Instead, medical plans may cover surgeries to correct facial deformities or remove unusual growths in the jaw. They typically do not cover oral surgeries like:

  • Dental extractions
  • Wisdom tooth extractions
  • Installation of dental structures or bridges

In many of these cases, dental insurance helps cover these. Depending on your plan, it may cover a small or larger portion of these costs. Always carefully review your plan details to better understand what treatments are and aren't covered.

Is There Any Dental Insurance Without A Waiting Period?

At Adroit Health Group, we offer supplemental dental insurance options for today's families. Many of these plans start coverage the very next day, without a waiting period. That means your family can enjoy the benefits of preventative dental care almost immediately.

If you don't have already have dental coverage, these supplemental plans can provide the security and peace of mind you need during a time of transition. They provide flexible, short-term care, often for 90-day periods.

Note that some procedures do have longer waiting periods, depending on your plan. If you need extensive dental work done, it's important to talk about your options. Give our team a call at 1 (800) 269-3563 or send us an email to learn more about any waiting periods for your coverage.

Where Can I Get Supplemental Dental Insurance For Medicare?

Dental insurance for seniors is a crucial part of ongoing care. Preventative services can help you detect dental issues before they get worse. If you have dentures, implants, or other dental restorations, a dentist can help you maintain them for a longer time. Often, a dentist can detect other health issues, like teeth grinding or sleep apnea.

However, if you use Medicare benefits, you likely already know that the federally-funded program doesn't cover many dental care procedures. Medicare's focus is on overall medical care. The program generally does not cover:

  • Preventative care, like cleanings
  • Fillings or root canals
  • Dental extractions
  • Bridges
  • Denture repair and maintenance

Medicare may cover costs related to inpatient fees for emergency dental treatments, but these exceptions are limited.

Because of this, many who have Medicare are looking for affordable dental insurance options. At Adroit Health Group, we provide supplemental dental insurance plans for seniors. These plans help bridge the gap between Medicare coverage and the preventative dental care you need.

Supplemental dental insurance can help you prepare for preventative and maintenance expenses, at a rate that works for you. At Adroit Health Group, our licensed insurance agents are knowledgeable about Medicare standards and can help you decide if supplemental insurance would help in your situation.

How Much Is Supplemental Dental Insurance?

Like most insurance plans, the answer depends. For many, though, supplemental dental insurance plans are much more affordable than full coverage plans.

The type of coverage you choose, the state you live in, the covered procedures you select, and more will all affect the cost of your monthly premiums. If you're looking for more affordable plans, you may be able to lower your premiums by:

  • Choosing lower benefit pay-out rates
  • Selecting a plan with only the benefits you need
  • Picking a plan with lower maximum benefits
  • Choosing a plan with a longer waiting period

Supplemental dental insurance plans provide flexibility. You can choose the coverage you need, for the budget you have.

How We’re Different At Adroit Health Group

At Adroit Health Group, we provide some of the best dental insurance options for those who are out of work, in between jobs, in school, or lack dental care from their other medical insurance plans.

Our supplemental insurance plans are affordable. It's easy to choose the level of care and coverage your family needs. Often, our plans can begin coverage the very next day. That means you get access to the preventative care you need, immediately.

The information on this page is only the beginning of how we can help at Adroit Health Group. Call our team today to learn more about how we go beyond traditional dental and medical insurance.

It's time to smile. You now have affordable dental insurance options that work for you.